Bank-card delinquencies fell to an 18-year low of 2.75% during Q3, the American Bankers...

Bank-card delinquencies fell to an 18-year low of 2.75% during Q3, the American Bankers Association says. Delayed payments in a composite ratio of eight loan categories, which doesn't include bank cards or mortgages, fell to 2.16% of all accounts from 2.24% in Q2. However, the ABA warns that weak hiring and the expiration of the payroll tax cut could make it harder for consumers to repay debt.